In the maturity ladder, a memorandum section has been added which, among other items, includes lines requesting behavioural inflows and outflows of loans and deposits respectively. In order for those items to be meaningful and comparable across all credit institutions, instructions need to be provided as to how to calculate those flows (detailed methodology). Otherwise, the figures provided could be misleading and very different from bank to bank. Additionally, the section 'CONTINGENCIES' does not make sense to be broken down in time bands. those flows do not have specific dates (since they are contingecies). it would make more sense to provide a total balance and an outflow as per LCR.